Compare Sacramento, CA Car Insurance Rates (2021)

Car insurance in Sacramento, CA averages $342 a month. Sacramento, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Sacramento car insurance rates, compare quotes from the top car insurance companies in Sacramento, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Sacramento is 95831
  • The cheapest car insurance company in Sacramento is USAA
  • Average car insurance rates in Sacramento, CA after a DUI are $5,760/year

If you need to buy Sacramento, California car insurance, the options can be confusing. Everything you need to know about car insurance in Sacramento, CA is right here.

You’ll find Sacramento car insurance rates, the cheapest Sacramento, CA car insurance companies, and information on California car insurance laws. You can also compare Sacramento, California car insurance rates to Fresno car insurance rates, Long Beach car insurance rates, and Oakland car insurance rates.

Ready to find affordable Sacramento, CA car insurance today? Enter your ZIP code for fast, free Sacramento car insurance quotes.

Cheapest Sacramento, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Sacramento, CA car insurance rates? Every Sacramento, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sacramento, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,311 $3,308 $2,404 $2,420 $9,144 $11,488 $4,212 $4,607
Farmers $3,248 $3,248 $2,931 $2,931 $10,370 $16,968 $3,849 $4,286
GEICO $1,858 $1,859 $1,748 $1,748 $5,631 $5,727 $2,665 $2,727
Liberty Mutual $2,604 $2,466 $2,413 $2,339 $5,666 $6,033 $2,938 $2,963
Nationwide $3,660 $3,493 $3,207 $3,022 $9,297 $10,285 $4,367 $4,310
Progressive $1,804 $1,856 $1,542 $1,826 $4,843 $5,826 $2,607 $2,802
State Farm $3,755 $3,755 $3,356 $3,356 $6,922 $8,605 $4,154 $4,281
Travelers $2,724 $2,636 $2,399 $2,374 $5,668 $6,465 $3,547 $3,473
USAA $2,039 $1,930 $1,990 $1,996 $4,666 $4,687 $2,817 $2,661

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Minimum Car Insurance in Sacramento, CA

Every driver must carry the minimum car insurance in Sacramento, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Sacramento, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Sacramento, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Sacramento, CA to rates for a clean record with top companies.

Annual Sacramento, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,076 $5,169 $8,165 $4,037
Farmers $4,423 $6,020 $7,495 $5,977
GEICO $2,096 $3,228 $4,058 $2,600
Liberty Mutual $2,975 $3,987 $3,597 $3,152
Nationwide $3,627 $4,655 $7,884 $4,655
Progressive $1,888 $3,216 $3,727 $2,721
State Farm $3,406 $4,062 $7,671 $3,953
Travelers $2,429 $3,987 $4,631 $3,595
USAA $1,891 $2,818 $4,613 $2,072

Cheapest Sacramento, CA Car Insurance for Teen Drivers

Teen car insurance in Sacramento, CA can be expensive. Take a look at rates from the top car insurance companies in Sacramento for teenagers.

Annual Car Insurance Rates for Teen Drivers in Sacramento, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,144 $11,488
Farmers $10,370 $16,968
GEICO $5,631 $5,727
Liberty Mutual $5,666 $6,033
Nationwide $9,297 $10,285
Progressive $4,843 $5,826
State Farm $6,922 $8,605
Travelers $5,668 $6,465
USAA $4,666 $4,687

Cheapest Sacramento, CA Car Insurance for Seniors

Take a look at Sacramento, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Sacramento, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,404 $2,420
Farmers $2,931 $2,931
GEICO $1,748 $1,748
Liberty Mutual $2,413 $2,339
Nationwide $3,207 $3,022
Progressive $1,542 $1,826
State Farm $3,356 $3,356
Travelers $2,399 $2,374
USAA $1,990 $1,996

Cheapest Sacramento, CA Car Insurance Rates After a DUI

A DUI in Sacramento, CA increases car insurance rates. Compare Sacramento, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Sacramento, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,165
Farmers $7,495
GEICO $4,058
Liberty Mutual $3,597
Nationwide $7,884
Progressive $3,727
State Farm $7,671
Travelers $4,631
USAA $4,613

Cheapest Sacramento, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Sacramento, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Sacramento, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,598 $5,625
Farmers $5,424 $6,534
GEICO $2,721 $3,270
Liberty Mutual $3,146 $3,710
Nationwide $4,596 $5,814
Progressive $2,620 $3,156
State Farm $4,598 $4,949
Travelers $3,290 $4,031
USAA $2,624 $3,072

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Cheapest Sacramento, CA Car Insurance Rates by ZIP Code

Sacramento car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Sacramento, CA.

Annual Car Insurance Rates by ZIP Code in Sacramento, California

ZIP Code Average Annual Rates
95811 $5,850
95814 $5,791
95815 $5,919
95816 $5,582
95817 $5,700
95818 $5,507
95819 $5,174
95820 $5,770
95822 $5,609
95823 $5,964
95824 $6,057
95830 $5,427
95831 $5,081
95832 $5,867
95833 $5,734
95834 $5,718
95835 $5,510
95836 $5,668
95837 $5,381
95838 $6,031

The Best Cheap Car Insurance Companies in Sacramento, CA

Take a look at a side-by-side comparison of the top car insurance companies in Sacramento, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Sacramento, California

Insurance Company Average Annual Rates
Allstate $5,112
Farmers $5,979
GEICO $2,995
Liberty Mutual $3,428
Nationwide $5,205
Progressive $2,888
State Farm $4,773
Travelers $3,661
USAA $2,848

Category Winners: Cheapest Car Insurance in Sacramento, California

Find the cheapest car insurance companies in Sacramento, CA for each category right here.

Best Annual Car Insurance Rates by Company in Sacramento, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Sacramento, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Sacramento car insurance rates. Find the cheapest Sacramento, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Sacramento, California

Insurance Company Low Medium High
Allstate $4,795 $5,161 $5,379
Farmers $5,558 $6,027 $6,351
GEICO $2,699 $3,030 $3,256
Liberty Mutual $3,197 $3,458 $3,629
Nationwide $4,645 $5,299 $5,671
Progressive $2,569 $2,980 $3,115
State Farm $4,269 $4,858 $5,193
Travelers $3,179 $3,760 $4,042
USAA $2,571 $2,906 $3,067

What affects car insurance rates in Sacramento, California?

What factors can have an impact on Sacramento, CA car insurance? There are several reasons why Sacramento car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Sacramento, California.

Car Theft in Sacramento

High levels of vehicle theft can make car insurance more expensive. Sacramento, CA car theft statistics from the FBI indicate 2,883 vehicle thefts a year.

Commute Time in Sacramento

The more time you spend in your car the higher the risk of an accident. The average commute length in Sacramento, CA is 12.3 minutes according to City-Data.

Traffic in Sacramento

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Sacramento, CA traffic data from INRIX ranks Sacramento as the 330th-most congested in the world.

Compare Car Insurance Quotes in Sacramento, CA

Ready to find affordable Sacramento, California car insurance today? Enter your ZIP code for fast, free Sacramento, CA car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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